Get a head start on your future. - ASUGet A Head Start: A step-by-step overview of your plan A retirement plan created to work for you. Many investment options Personalized investment

Get A Head Start: A step-by-step overview of your plan

Get a head start on your future.

A step-by-step overview of your ASU Financial Plan

Presented by:

Date:

She’s Got It: A woman’s guide to saving and investing Get A Head Start: A step-by-step overview of your plan

About your plan

Advantages of participating in your retirement program

Creating your retirement strategy

Updating your account

Learn more

Welcome to your retirement program.



http://www.state.gov/video/?videoid=60761567001

About your plan





A retirement plan created to work for you.

Many investment

options

Personalized

investment advice

Enhanced services

and tools





Contribution rates

Eligibility requirements 2

Vesting schedule 3

Other aspects 4

The specifics of your plan

1





GUARANTEED*

FIXED INCOME

MONEY MARKET

MULTI-ASSET

REAL ESTATE

EQUITIES

For your specific investment options go to your plan provider’s website

Lower Risk

Higher Risk

*Investing involves risk of loss of principal.

Investment options offered in the “guaranteed” asset class are subject to the claims-paying ability of the issuing company.

Your investment options offer choice and flexibility





Self-Directed Brokerage Account

Choose your own investments

Access to thousands of mutual funds

Easy to set up

Buy, sell or transfer funds online or by phone

Certain securities may not be suitable for all investors. Securities are not FDIC insured and are not a

deposit or other obligation of or guaranteed by any bank or your plan provider. Securities are subject to

investment risk, including possible loss of the principal amount invested.

Asset classes offer choice and flexibility





Minimum investment

Annual maintenance fee

Brokerage service fees for transactions

may apply

ASU will not monitor performance of funds from the

self-directed brokerage account window

Certain securities may not be suitable for all investors. Securities are not FDIC insured and are not a

deposit or other obligation of or guaranteed by any bank or your plan provider. Securities are subject

to investment risk, including possible loss of the principal amount invested.

Self-directed brokerage account window





Get answers to key questions

with a one-on-one advice session

Are you saving enough?

How should you invest?

How do you meet your retirement income needs?

Get personalized retirement plan advice from your plan advisor.

Get help with your plan





Visit the website Sign up at this

workshop

Call your provider

Scheduling options

One-on-one advice session Get help with your plan





Online Advice and Guidance

4 simple steps to directly address your

goals and financial situation

Quickly update your account

Log on to your plan provider’s website and select the “Advice and Planning” tab.

Prefer an online advice tool? Get help with your plan




Retirement Program

Advantages





Invest more for retirement

Lower your current taxable income

Tax-deferred growth

Retirement program advantages





$23,000

$17,500

$0 $5,000 $10,000 $15,000 $20,000 $25,000

Employees age 50 or older

Employees under age 50

2014 Contribution Limits for 403(b) and 457(b) Plans



These limits are for each plan. If you participate in both plans, you may contribute up to

the limits in each of your plans.



The chart above is based on a hypothetical 6% annual rate of return and is not intended to represent the performance of any specific investment

product. It cannot predict or project investment returns. Charges and expenses that would be associated with an actual investment, and which

would reduce performance, are not reflected.

0

500

1,000

1,500

2,000

2,500

25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55

$254 per month

if you start at age 30

$1,214 per month

if you start at age 50

An early start can help make it easier

to reach your savings goal




Creating Your

Retirement Strategy





Active

investing

One-step

investing

Choosing your retirement strategy





Target Date Funds

Fixed-income Funds

Equities and Real Estate Securities Funds

2030 Fund

The chart is only a visual representation of the target date or lifecycle fund fixed-income and equity percentages. Please refer to the prospectus

for the funds for more details on asset allocation for each of the target date funds.

One-step investing





Pick the fund closest to your anticipated retirement date

Age-appropriate allocations

Target Date Funds are actively managed, so their asset allocations are subject to change and may vary from those shown.

As with all mutual funds, the principal value of a target date fund isn’t guaranteed. Also, please note that the target date represents an approximate date when

investors may plan to begin withdrawing from the fund. After the target date has been reached, some of these funds may be merged into a fund with a more stable

asset allocation. However, there is no need to withdraw the funds at that target date.

The charts are only visual representations of the target date or lifecycle fund fixed-income and equity percentages. Please refer to the prospectus for the funds for

more details on asset allocation for each of the target date funds.

In addition to the fees and expenses associated with lifecycle funds and target date funds, there is exposure to fees and expenses associated with the under lying

investment options. The fund is also subject to risks associated with the types of securities held by each of its underlying funds.

Fixed-income Funds


2010 Fund

2040 Fund

2035 Fund

2065 Fund

2015 Fund

2045 Fund

2020 Fund

2050 Fund

2025 Fund

2055 Fund

2030 Fund

2060 Fund

One-step investing





Professional managers adjust the fund’s asset allocation

As with all mutual funds, the principal value of a Target Date Fund isn’t guaranteed. Also, please note that the Target Date represents an approximate date

when investors may plan to begin withdrawing from the fund. After the Target Date has been reached, some of these funds may be merged into a fund with a

more stable asset allocation. However, there is no need to withdraw the funds at that Target Date.

The chart is only a visual representation of the Target Date Funds fixed-income and equity percentages. Please refer to the prospectus for the funds for more

details on asset allocation for each of the target date funds.

Fixed-income Funds


One-step investing





Use your own selections from the plan’s

investment options

Work with your plan advisor

Active investing




Updating Your Account





Phone Online One-on-One

advice session

Accessing and updating your account





Managing your account online





1 Review investment options

2 Manage your portfolio

3 Update beneficiaries

2

3

1

My ASU Plan

4 Get help





Be sure to review and update your

beneficiary designation yearly.

Importance of updating your beneficiary





Enroll in the plan if you are not already enrolled

Review and update your beneficiary designation

Review investment options and contribution rate

Get personalized retirement plan advice from your plan advisor

Before initiating a transfer of assets, carefully consider differences in features, costs, charges and expenses,

services, company strength and other important aspects. There may also be surrender charges and tax

consequences associated with the transfer. Indirect transfers may be subject to taxation and penalties.

Consult with your own advisors regarding your particular situation.

Things to do: Next steps




ASU Human Resources Employee Service Center – 855-278-5081

ASU HR Benefits – https://cfo.asu.edu/hr-benefits [email protected]

Call to speak with

a representative:

1-800-343-0860

Schedule a complimentary

one-on-one guidance

consultation

Mr. Damond Petersen

[email protected]

1-480-284-1847

www.netbenefits.com/aus

Call to speak with

a representative:

1-800-796-9753


one-on-one guidance

consultation

Ms. Nancy Chavez

[email protected]

1-602-513-2204

www.arizonadc.com

Call to speak with

a representative:

1-800-842-2252


one-on-one guidance

consultation

Mr. Donn Fitch

[email protected]

1-480-350-3209

www.tiaa-cref.org/azus

Call to speak with

a representative:

1-800-448-2542


one-on-one guidance

consultation

Mr. Michael Lager

[email protected]

1-602-674-2614

www.valic.com/azbor

678611.1.0

Keep in mind that investing involves risk. The value of your investment will fluctuate over time and you may gain or lose

money. Nationwide, TIAA-CREF, VALIC, and Fidelity Investments are not affiliated.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917


Investment products may be subject to market and other risk factors. See the applicable product literature or visit your plan

provider’s website. The tax information in this article is not intended to be used, and cannot be used, to avoid possible tax

penalties. It was written to promote the products and services the article describes. Taxpayers should consult an independent tax

advisor for advice based on their own particular circumstances.

Investment, insurance and annuity products are not FDIC insured, are not

bank guaranteed, are not bank deposits, are not insured by any federal government agency,

are not a condition to any banking service or activity,

and may lose value.

You should consider the investment objectives, risks, charges and expenses carefully before

investing. Go to your plan provider’s website for current product and fund prospectuses that

contain this and other information. Please read the prospectuses carefully before investing.




Documents

Get a head start on your future. - ASUGet A Head Start: A step-by-step overview of your plan A retirement plan created to work for you. Many investment options Personalized investment